The beginning of a new year brings a fresh start; a new chance to leave failures in the past and move forward. New Year’s resolutions have been a tradition for thousands of years. Today, resolutions can come in a variety of different forms. Some people have a specific word, like “cultivate”, that they dwell on for the year in everything they do. Last year, my friends and I set goals in various areas of our lives. Whatever form resolutions take, it is healthy to make plans for the future.

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Angela Ozar, Guest Contributor

Angela Ozar paid off $30K in student loans in just 3 years. She wrote about the actions she took in her book, Close Your Tab & Don’t Look Back: A Guide to Getting out of Debt and Getting Ahead in the Real World.If she isn’t writing, Angela’s watching a Hallmark movie with a bowl of popcorn, surrounded by fall-scented candles—no matter the season. You can read her latest articles and learn more about Angela on her website AngelaOzar.com or through her social media links below.